KPT — Region 3 of canton Grisons, 2026 premiums
KPT covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 308.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 17 out of 24 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 446.36 a month.
What staying costs
Moving from KPT to vita surselva, the cheapest insurer in this region, saves CHF 663.60 a year for an adult on the same profile.
The full KPT table
168 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 542.90 | CHF 460.00 | CHF 480.70 | CHF 460.00 |
| 500 | CHF 531.30 | CHF 448.40 | CHF 469.10 | CHF 448.40 |
| 1'000 | CHF 502.10 | CHF 419.20 | CHF 439.90 | CHF 419.20 |
| 1'500 | CHF 472.90 | CHF 390.00 | CHF 410.70 | CHF 390.00 |
| 2'500 | CHF 414.60 | CHF 331.70 | CHF 352.40 | CHF 331.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 434.30 | CHF 373.10 | CHF 388.40 | CHF 373.10 |
| 500 | CHF 422.70 | CHF 361.50 | CHF 376.80 | CHF 361.50 |
| 1'000 | CHF 393.50 | CHF 332.30 | CHF 347.60 | CHF 332.30 |
| 1'500 | CHF 364.30 | CHF 303.10 | CHF 318.40 | CHF 303.10 |
| 2'500 | CHF 306.00 | CHF 244.80 | CHF 260.10 | CHF 244.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 130.30 | CHF 104.40 | CHF 110.90 | CHF 104.40 |
| 200 | CHF 118.70 | CHF 95.10 | CHF 101.00 | CHF 95.10 |
| 400 | CHF 107.00 | CHF 85.70 | CHF 91.00 | CHF 85.70 |
| 600 | CHF 95.30 | CHF 76.40 | CHF 81.10 | CHF 76.40 |
With or without accident cover
With accident cover: CHF 542.90 a month. Without: CHF 504.90. Dropping it saves CHF 456.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 433.40 in 2025 to CHF 308.50 — a rise of 6.1 %.
The 40 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Grisons, not to the municipality.
Albula/Alvra · Andeer · Avers · Bergün Filisur · Breil/Brigels · Cazis · Disentis/Mustér · Domleschg · Falera · Ferrera · Flerden · Fürstenau · Ilanz/Glion · Laax · Lantsch/Lenz · Lumnezia · Masein · Medel (Lucmagn) · Muntogna da Schons · Obersaxen Mundaun · Rheinwald · Rongellen · Rothenbrunnen · Safiental · Sagogn · Scharans · Schluein · Schmitten (GR) · Sils im Domleschg · Sufers · Sumvitg · Surses · Thusis · Trun · Tschappina · Tujetsch · Urmein · Vals · Vaz/Obervaz · Zillis-Reischen
The other insurers in Region 3
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| vita surselva | CHF 404.70 | View |
| Agrisano | CHF 407.10 | View |
| curaulta | CHF 407.90 | View |
| Sumiswalder | CHF 424.60 | View |
| ÖKK | CHF 425.70 | View |
| CONCORDIA | CHF 426.20 | View |
| CSS | CHF 427.60 | View |
| Vivao Sympany | CHF 429.00 | View |
| Sanitas | CHF 434.75 | View |
| sana24 | CHF 436.20 | View |
| Helsana | CHF 441.80 | View |
| Visana | CHF 445.90 | View |
| SWICA | CHF 450.90 | View |
| Assura-Basis | CHF 451.00 | View |
| rhenusana | CHF 455.40 | View |
| Mutuel | CHF 455.60 | View |
| Philos | CHF 461.00 | View |
| Aquilana | CHF 466.20 | View |
| EGK | CHF 467.90 | View |
| Atupri | CHF 468.00 | View |
| Avenir | CHF 483.00 | View |
| Galenos | CHF 488.30 | View |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.